she has been praised by the maryland bankers association and the maryland consumer rights coalition for her fair, balanced approach to regulation in our state. that is no easy task to get both the bankers in the consumers to believe that you are doing the right thing, and i applaud her for her balanced leadership in our state of maryland. her leadership has been significant in working on foreclosure britain during the financial crisis, improving legislation related to pay day lending abuses, and stopping unscrupulous debt collection agencies. these skills will serve her well in regard to the federal reserve board of governors. she has spent much of her career in public service, including serving as banking counsel to the senate banking committee under senator sarbanes, worked at the federal reserve bank of new york and served on the joint economic committee in congress. as a member of the federal reserve, i am certain she will continue our commitment of keeping our banks second sound. rededication and work ethic are tremendous asset to our nation during this critical times. i wholeheart